How Covered Are You?

A Guide to Aviation Insurance, Presented By McAir Aviation.

"McAir Aviation is among just a handful of schools in the Country offering clients both $100,000 Property Damage Liability Coverage as well as a Waiver of Subrogation per the terms of their Rental Agreement."

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Nothing seems to be more confusing than insurance. This guide is intended to explain aviation coverages in general and McAir Aviation's coverages and how they relate specifically to you as a student and pilot flying at McAir. When you are looking at Flight Schools, check out the insurance very carefully. It's a little known fact that most schools DO NOT cover their pilots or students for damage to the airplane or others.

The Rest of the World and Denver.

First, a flight school, flying club, or FBO is a business. And as a business, it has an insurance policy for its own protection. The key point is: it's their policy. They paid for it. You, as a renter of the aircraft are NOT on the policy.

This is important to understand. The policy is to protect the company in the event an aircraft is damaged during the course of doing business. Simply put, the policy is there to protect the business from you, the renter. In the event of an accident in which an aircraft is damaged, the school or club would file a claim on their policy, the insurance company would then pay the claim, the aircraft would be repaired and go back into service.

Under the above scenario, the flying club is happy. The insurance they have been paying for did what it was supposed to - it covered the cost of having the aircraft repaired and the business was just out the deductible, maybe $2500 to $5000.00. (Deductibles are generally passed on to the renter through a rental agreement) That all sounds good right? Not really…not for you…remember you're not on the policy. And this creates a BIG problem for the pilot (and their family).

Can You Say Subrogation?

Under insurance law, the Insurance Company has the right to seek damages from the pilot. Lets say that a different way: They pay the claim on the schools' policy, say $130,000.00, - they then have the legal right to recover those costs from the pilot - or sue to collect.

Lucky For You, You Fly At McAir.

As a McAir renter and pilot, our insurance carrier has waived their right to subrogate against you for damages to the aircraft in the event of an accident to the extent that we at McAir has waived our right to subrogate. As if that wasn't enough, they ave gone one step further. They have actually given you, as a McAir customer, $100,000 Single Limit Bodily Injury including Passengers and Property Damage Liability Coverage. All at no cost. How cool is that? Very. In fact, there are only a handful of schools in the country that can say the same thing.

How Do I Qualify? Easy...

• Fly At McAir.
• Sign the Rental Agreement.
• Be properly Certificated, qualified, rated and checked out in the aircraft.
• Have a current Medical, BFR, IPC, and/or Student Pilot Certificate.
• Be current at McAir; 60 days, 30 days complex.
• Adhere to the FAR/AIM's and McAir's Policies and Safety Procedures.

It's All Good.

If you are new to aviation, we know you may have no idea what all this means. Just the thought of an accident at this point can be unnerving. Although rare, accidents can happen - but that's what good training is for - training like you receive at McAir Aviation.

The pages from our policy pertaining to the Waiver of Subrogation and Property Damage are proudly and clearly posted in our lobby for your review. If you have questions, feel free to ask. We're here for you!

   You can do this. We'll show you how.